What is the concierge service on a credit card?

Concierge services are often available online or by phone at any hour of the day and day of the week. The kind of assistance they can provide depends on the card, but in general the service is designed to help make life easier (and more fun) for cardholders. Your request can be as general or specific as you like – it could be as simple as getting a table at the newest restaurant in town or as exotic as renting a private yacht in Mauritius.

Here are just some of the ways your concierge may be of service. You can use them as a starting point – let your imagination be your guide.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. This information does not take into account your financial needs, individual circumstances or objectives. Read the terms and conditions before making a decision and consider whether the product is appropriate for you.

Rewards points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You do not earn Altitude Points or Qantas Points on payments to the Australian Taxation Office. A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

Complimentary insurance covers: Under a binder from the underwriter Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708), AWP Australia Pty Ltd (ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066, trading as Allianz Global Assistance) has issued an insurance group policy to Westpac Banking Corporation (ABN 33 007 457 141 AFSL, Australian credit licence 233714 [Westpac]) of 275 Kent Street, Sydney, NSW 2000 that allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Westpac Credit Cards Complimentary Insurance Policy.

Concierge: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions available at westpac.com.au.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.